Main Sessions

Geri R. Forehand

Geri Forehand is a Certified Professional Consultant to Management and is President and CEO of Forehand Strategy Group, LLC. He previously served as National Director of Strategic Services for Sheshunoff Consulting + Solutions and Executive Director of the Affiliation Program. He has over 35 years of financial institution experience through his employment as a banker and a consultant. He has served as a director for several community banks and is qualified by banking regulatory agencies to perform mandated management and board reviews, as well as strategic planning, capital planning, and profit planning.

Geri has been a featured speaker for the American Bankers Association and the Independent Community Bankers Association, as well as numerous state associations and other national organizations. He has completed the Director Education Institute program at Duke University and has studied at the Sloan School of MIT. He received a BBA in economics from the University of Georgia, and he also holds an MBA from Georgia State University with a double major in finance and marketing.

David J. Etter 



Dave Etter has more than 35 years’ experience in financial services and has held credit and lending positions with community, regional and large banks.  He has held senior management positions, including President of the small business commercial lending subsidiary of one the world’s largest companies, as well as Chief Credit Officer of a $3 billion community bank.

Other assignments have included management of commercial loan workout departments, management of commercial lending teams, and the management of underwriting departments. He has experience in small and mid-market commercial lending, commercial real estate, SBA lending, commercial finance, leasing and international trade finance. His experience includes President of the firm that was, at that time, the 4th largest SBA lender in the country.

Mr. Etter regularly speaks at national conferences; topics have included regulatory related issues, stress testing, concentration management, and the ALLL. Mr. Etter graduated with a BS in Finance with a concentration in Accounting from the University of Connecticut.

General Sessions

Chairman, Seifried & Brew West


Dr. Seifried is Professor Emeritus of Economics and Business at Lafayette College in Easton, Pennsylvania.  He also serves as the Executive Consultant for the Sheshunoff CEO Affiliation Programs, and Chief Economist for SB Value Partners.


Dr. Seifried is the dean of the Virginia and West Virginia Banking Schools and currently is on the faculty of the Southwest Graduate School of Banking.  In addition, he has served on the faculty of numerous banking schools including: Stonier Graduate School of Banking, and the Graduate School of Banking of the South.


He frequently appears as a guest speaker at regional and national conferences and has delivered over 2500 economic presentation to various groups both in the United States and abroad.  Dr. Seifried is the author of the book “The Art of Strategic Planning for Community Banks.”  In addition to his academic and consulting experience, Dr. Seifried serves as a director of a community bank.

Tom Hershberger

CEO, Cross Financial Company 

Tom Hershberger is the CEO and founder of Cross Financial, a consulting firm specializing in support services for financial institutions. Tom and his team help banks optimize their business planning, staff development, customer experience management, market research, and brand management. Tom is a faculty member for the Graduate School of Banking at the University of Wisconsin, and the Schools of Banking in Iowa, Kansas and Nebraska. He also serves as an instructor for the Independent Community Bankers of America. Tom is the author of Marketing Financial Services, a textbook and online education series offered by the American Bankers Association